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Well, I have some bad news and some good news. In most cases the insurance company writes in stipulations about continuing coverage which benefits the insurance company while leaving the consumers in a not so comfortable spot. Many insurance companies have the legal right to decide whether medications as well as treatments are "necessary"- even though they are not doctors! I would read the fine print on your coverage but if they have told you they will not cover then they usually are legally covered.

Okay now for the good news I can offer you some assistance in paying for your prescriptions. This website http:///www.YourSimpleCard.com offers what is called discount medical/ dental benefits. Basically it works like a Sam's Club or Costco card. You pay a very small monthly fee and in return you save a lot of money on Prescriptions as well as at doctor's, dentist's, chiropractor's and on Vision care. They have two plans one is $20 a month for an entire household up to 20 people, and that gives you the Dental plus Vision, Prescription and Chiropractic. The other plan is $60 a month for an entire household and that gives you the medical as well as the dental, visions, prescription and chiropractic.

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Q: Can the insurance company start refusing payment of medication that I have been receiving for 2 years for no reason?
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